Summary
A 46-year-old security supervisor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had a 2005 conviction for Extreme Driving Under the Influence. While there was an allegation regarding a fraternization incident nine months before he resigned from a 2009 job, there was no indication he left due to this incident.
The primary basis for denial, however, stemmed from significant financial obligations. The applicant had over $42,000 in delinquent collection and charged-off accounts. These included a $455 medical collection, a $1,165 telephone service debt, a $21,919 home equity loan, collection accounts of $1,893 and $7,551, a $338 utility bill, a $151 medical collection, a $162 furniture bill, and a $1,158 jewelry debt.
Despite a household income of $93,000, the applicant made no payments on these delinquent obligations. The recency and multiplicity of these financial difficulties raised concerns about his reliability and trustworthiness, leading to the denial of his security clearance.
Why the Applicant Was Denied
- The applicant has over $42,000 in delinquent collection and charged-off accounts.
- He made no payments on his delinquent obligations despite having a household income of $93,000.
- The applicant's financial difficulties are recent and multiple, raising concerns about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant's financial difficulties were not solely due to circumstances beyond his control.
- AG ¶ 20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant failed to document any payments made on delinquent obligations.
- AG ¶ 20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due DebtThe applicant admitted to owing the delinquent obligations.
Key Rule Quoted
“The issue is not simply whether all his debts are paid—it is whether his financial circumstances raise concerns about his fitness to hold a security clearance.”
Procedural Posture
- SOR issuedFeb 9, 2015
- Answer filedMar 6, 2015
- Hearing heldMay 4, 2015
- Decision dateNov 15, 2015
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Impact of Financial Irresponsibility on Security Clearance Eligibility
- Mitigating Conditions for Financial Considerations Not Applied Due to Lack of Evidence of Responsible Action